Get DirectionsRecreational vehicles are excellent for fun-filled, extended trips away from home. However, every owner should consider how their investment will impact their insurance needs. The team at Meiners Insurance in Avon Lake, OH, can help you determine the type of insurance required to protect your recreational vehicle.
Ohio Insurance Requirements For Recreational Vehicles
The specifics of recreational vehicle insurance requirements vary from state to state. Ohio state law mandates that all recreational vehicles, whether motorized or self-powered, must have liability coverage on their insurance policy. This coverage is similar to auto liability insurance. Recreational vehicle liability coverage offers compensation for damage and injuries caused to others involved in an accident with the vehicle. It covers medical costs, including hospital stays, surgery, and rehabilitation, and lost wages due to absence from employment. Also included in the liability coverage is all repairs or possible replacement of the other party’s vehicle, home structure, or other personal property. The coverage protects you from financial ruin if you are found to be at fault for the accident.
Why Your Recreational Vehicle Needs Collision Coverage
The importance of collision coverage on your recreational vehicle policy is quite significant. It offers to cover all repairs to your recreational vehicle regardless of who is at fault for the accident. Your claim will not be contested even if the cause of the accident is hitting an immovable object, another vehicle, or your personal property. Policyholders are compensated for all repairs to your recreational vehicle, as the cost can be quite expensive.
If you are unfamiliar with recreational vehicle insurance and the type of coverage needed to protect your investment, contact Meiners Insurance in Avon Lake, OH. Our staff can create a policy that best fits your insurance needs. Call and schedule an appointment today.
